1.用英语写一篇关于商业银行的短文,250字左右,求大神指导

Origin of the word The name bank derives from the Italian word banco "desk/bench", used during the Renaissance era by Florentine bankers, who used to make their transactions above a desk covered by a green tablecloth. [ 2 ] However, traces of banking activity can be found even in ancient times.In fact, the word traces its origins back to the Ancient Roman Empire, where moneylenders would set up their stalls in the middle of enclosed courtyards called macella on a long bench called a bancu , from which the words banco and bank are derived. As a moneychanger, the merchant at the bancu did not so much invest money as merely convert the foreign currency into the only legal tender in Rome – that of the Imperial Mint. [ 3 ] The role of commercial banks Commercial banks engage in the following activities: processing of payments by way of telegraphic transfer, EFTPOS, internet banking, or other means issuing bank drafts and bank cheques accepting money on term deposit lending money by overdraft, installment loan, or other means providing documentary and standby letter of credit , guarantees, performance bonds, securities underwriting commitments and other forms of off balance sheet exposures safekeeping of documents and other items in safe deposit boxes sales, distribution or brokerage, with or without advice, of: insurance, unit trusts and similar financial products as a “financial supermarket” cash management and treasury merchant banking and private equity financing traditionally, large commercial banks also underwrite bonds, and make markets in currency, interest rates, and credit-related securities, but today large commercial banks usually have an investment bank arm that is involved in the mentioned activities [ clarify ] . Types of loans granted by commercial banks Secured loan A secured loan is a loan in which the borrower pledges some asset (eg a car or property) as collateral for the loan, which then becomes a secured debt owed to the creditor who gives the loan. The debt is thus secured against the collateral — in the event that the borrower defaults, the creditor takes possession of the asset used as collateral and may sell it to regain some or all of the amount originally lent to the borrower, for example, foreclosure of a home. From the creditor's perspective this is a category of debt in which a lender has been granted a portion of the bundle of rights to specified property. If the sale of the collateral does not raise enough money to pay off the debt, the creditor can often obtain a deficiency judgment against the borrower for the remaining amount. The opposite of secured debt/loan is unsecured debt, which is not connected to any specific piece of property and instead the creditor may only satisfy the debt against the borrower rather than the borrower's collateral and the borrower.Mortgage loan A mortgage loan is a very common type of debt instrument, used to purchase real estate. Under this arrangement, the money is used to purchase the property. Commercial banks, however, are given security - a lien on the title to the house - until the mortgage is paid off in full. If the borrower defaults on the loan, the bank would have the legal right to repossess the house and sell it, to recover sums owing to it.In the past, commercial banks have not been greatly interested in real estate loans and have placed only a relatively small percentage of assets in mortgages. As their name implies, such financial institutions secured their earning primarily from commercial and consumer loans and left the major task of home financing to others. However, due to changes in banking laws and policies, commercial banks are increasingly active in home financing.Changes in banking laws now allow commercial banks to make home mortgage loans on a more liberal basis than ever before. In acquiring mortgages on real estate, these institutions follow two main practices. First, some of the banks maintain active and well-organized departments whose primary function is to compete actively for real estate loans. In areas lacking specialized real estate financial institutions, these banks become the source for residential and farm mortgage loans. Second, the banks acquire mortgages by simply purchasing them from mortgage bankers or dealers.In addition, dealer service companies, which were originally used to obtain car loans for permanent lenders such as commercial banks, wanted to broaden their activity beyond their local area. In recent years, however, such companies have concentrated on acquiring mobile home loans in volume for both commercial banks and 。

2.求银行方面英文文献,资料

Interest rate marketability and our country State-owned Commercial bank countermeasure Interest rate marketability connotation The so-called interest rate marketability, is refers to the money market fund supply and demand both sides independent determination interest rate level interest rate decision mechanism vicissitude process 。

Says specifically, the interest rate marketability is refers to the Central Bank to need to regulate the datum interest rate according to the monetary policy, various commercial bank saves the loan interest rate according to the fund market supply and demand change independent adjustment, Finally forms take Central Bank datum interest rate as the guidance, multi-level, can manifest fund supply and demand condition and the reflection Central Bank monetary policy intention interest rate operational mechanism fully。The interest rate marketability emphasis interest rate really reflected the fund cost and the supply-demand relation, effectively display its economical leverage nimbly。

一. Our country interest rate marketability reform existence question Is opposite says in the Chinese economic reform and the opening to the outside world overall step, the interest rate marketability reform progresses slowly. Looked on the present situation that, our country not yet completely realizes the interest rate marketability, the interest rate control creates the interest rate this important price release lever to receive the serious restraint in the resources disposition aspect function, the interest rate structure distortion. Our country interest rate system marketability degree quite is also low, mainly displays in following several aspects:1. The interest rate control degree is high, the interest rate level and the structure are incompatible, and the bank independency is restricted. The current our country interest rate policy movement environment controls the interest rate primarily, the interest rate level decision, the difference interest rate policy making and so on the related interest rate each aspect policy all by the government strict control, displays the high planning and closeness.2. The interest rate level determination has certain subjective blindness; the rate adjustment flexibility is insufficient. At present our country interest rate level decision is makes by the monetary policy committee, the interest rate decision-making power high degree of concentration in the central authorities, the interest rate formulation and the adjustment has the serious time lag effect.3. Lacks the effective market datum interest rate. On November 1, 2003, the NAP Standing Committee Cheng Sewer, vice chairman of the Forum, said: "The market-oriented interest rates, the key is to set the benchmark interest rate. The benchmark interest rate is determined, in order to determine the interest rate structure, risk structure. No established the benchmark rate, the interest rate market is a empty sentences. "Benchmark rate in the entire interest rate system has played a core role and prevents other interest rates, in a sense, the benchmark interest rate options and determine the interest rate market is the core of the reform steps.二.Implements the interest rate marketability state-owned commercial bank significance First, is advantageous to the expansion state-owned commercial bank right of autonomous management, the enhancement competitive power. After the interest rate lets loose, the bank had the independent fixed price power, may use this kind of right to independence and its flexible full display fully. The various countries' reform experience indicated that, after the interest rate marketability, the deposit real interest rate all has the different scope raise. The real interest rate rise will have the positive influence to the deposit, the attraction fund from bank systems and so on the stock market, black market accepts the human bank system, the enhancement commercial bank's competitive power. Next, is advantageous in raises the state-owned commercial bank management level. The interest rate marketability causes the fund price to let loose truly. Price competition between the banks presents the new ball game from this. But the price competition must rise take the low cost fund as the backing. In order to gain the low cost capital source, various bank in the financial product, the marketing strategy, service method general unfolds manager respectively, this will intensify inevitably the competition intense degree, will urge the bank change management way, who will grasp is initiative who to be able to obtain market (In the new situation, the commercial bank guild cared about the interest rate market 。

3.关于银行业务的英语文章~~~~~~~~~~~

Please tell me how you wish to withdraw your money.

你要怎么取钱？

I want to withdraw 200 RMB from my deposit account.

我想取200块。

I'd like to withdraw 100 RMB against this letter of credit.

我想从这份信用证上提100块钱。

May I withdraw money against the letter of credit here?

这个信用证在这儿能取钱吗？

Fill out a withdrawal form, please.

请填写取款单。

Could you tell me my balance?

我的账户里还剩多少钱？

Your balance at the bank is 300 RMB.

你在本行的结余是300元。

Your deposit is exhausted.

你的帐号里没有存款了。

Your letter of credit is used up.

你信用证上的钱用完了。

The letter of credit is exhausted.

信用证上的款项已提清。

I think you can withdraw on this account by cheque in payment of goods.

我想你可以用支票提款支付购物的费用。

I want to close my account with you.

我想销户。

Notes:

to close an account, to clear an account 结清

to withdraw money 取款

drawing-out slip 取款单

the number slip 号码牌

a withdrawal form 取款单

to fill in the receipt in duplicate 一式两份填这张收据

teller / cashier 出纳员

4.银行英语作文

如果可以重新活一次，每个人都将是成功者。

这是生命银行作文英语在下面

4个20岁的青年去银行贷款。银行答应借给他们每人一笔巨款，条件是他们必须在50年内还清本息。

第一个年轻人想先玩儿25年，然后用最后的25年努力工作尝还，结果他活到70岁都一无事成，死去时仍然负债累累。他的名字叫“懒惰”。

第二个年轻人用前25年拼命工作，50岁时他还清了所有本息，但是那一天他却累倒了，不久便死了。他的骨灰盒上写着他的名字：“狂热”。

第三个年轻人在70岁时还清了所有欠款，然后没过几天他也去世了，他的死亡通知书上写着他的名字：“执着”。

第四个年轻人工作了40年，60岁时他还清了所有的钱，生命的最后10年，他成了一个旅游家，游便地球上的各各国家。70岁他死去的时候，脸上带着微笑。人门至今都记着他的名字叫：“从容”。

当年带款给他们的那家银行叫“生命银行”。

如果问你，你愿怎样还清那笔巨款呢？你会怎样回答？

If you can re-live once, everyone will be successful.

Four 20-year-old young people to bank loans. Bank agreed to lend them a large sum of money per person, on condition that they must be repaid within 50 years principal and interest.

The first young man would like to play with for 25 years, and then use the last 25 years of hard work to try also, a result, he lived to the age of 70 have nothing to do into one, is still heavily in debt when you die. His name is "lazy."

The second young man with 25 years of hard work before the age of 50, he repaid all principal and interest, but that day he had become tired, and soon died. He read his name on the casket: "fanatical."

The third young man of 70 years of age to pay off all the arrears, and then a few days later he died, his death notice read his name: "persistent."

The fourth young man working for 40 years, 60 years old, he repaid all the money, life, the last 10 years, he became a tourist home, tour the country will be on Earth Calvary. 70-year-old when he died, his face smiling. One door still remember his name are called: "calmly."

Then bring it to them shall the bank called the "life bank."

If you ask you, how you would like to pay off a huge sum that it? How would you answer?

5.英语的资信调查的银行信的范例

Hong Kong 7/3/1990（右对齐）

Dear sirs,

We confirm that ______ Corporation is a valued

customer of this bank with an authorized

capital of _______ and a paid-up capital of

_______ and has maintained a well-conducted

current account. It enjoy a substantial amount

of our banking facilities in the range of

minimum 6(or 8) figures and our relationship

has been entirely satisfactory.

We consider the corporation to be highly

respectable and undoubted for their normal

business engagements and that it is able to

fulfill contractual obligation it enters into.

The above information is provided in strict

confidence and without any responsibility on

the part of the bank or its officers.

6.急求一篇有银行职员的英语演讲稿3分钟

关于如何提供优质服务

how to improve our sevices

一、充分理解和认识服务的内涵，是开展优质文明服务的动力

understanding and awareness of the connotations of the service sufficiently are the motivity of developing excellent and civilized service.

二、强化和提高服务意识，是开展优质文明服务的前提

enhancing and improving the consciousness of service are premise of developing excellent and civilized service.

三、加强培训教育、提高业务技能、营造优美服务环境是提高优质文明服务的基础

reinforcing Training and education, improving professional skills, to create a beautiful environment are the foundation of developing excellent and civilized service.

四、提高金融电子化水平，创新服务手段，完善服务功能，是提高服务质量的关键

Raising the level of the financial electronic, poverty method of sevice, completing the service functions are the key role of improving service quality.

中国银行应如何发展

some suggestion about the develop of bank of china

一、稳步推进金融业综合经营试点

advancing financing consolidated operating experimental unit steadily

二、正确认识金融创新的作用与风险

understanding the role of financial innovation and risk correctly

三、改善内外部环境 促进银行业发展

Improving internal and external environment for development of the banking industry

有下面几个方面：

it can be described in three aspects:

1、建立行业间的监管合作

Establishing the Inter-industry system of supervision and cooperation

2、加快商业银行的内部改革

accelerating the internal reforms of Commercial banks

3、坚持以客户为中心，提高服务意识

insisting on the idea of customer-centered and improving service awareness

花了大半个小时哈 改天请我吃饭 嘿嘿！

前面再加点开场白 念慢点应该够3分钟的 。

7.银行英文介绍信格式

这里有例子： : Good morning ! It is really my honor to have this opportunity for a interview, I hope i can make a good performance today. I'm confident that I can succeed. Now i will introduce myself briefly I am 26 years old,born in shandong province . I was graduated from qingdao university. my major is electronic.and i got my bachelor degree after my graduation in the year of 2003. I spend most of my time on study,i have passed CET4/6 . and i have acquired basic knowledge of my major during my school time. In July 2003, I begin work for a small private company as a technical support engineer in QingDao city.Because I'm capable of more responsibilities, so I decided to change my job. And in August 2004,I left QingDao to BeiJing and worked for a foreign enterprise as a automation software test engineer.Because I want to change my working environment, I'd like to find a job which is more challenging. Morover Motorola is a global company, so I feel I can gain the most from working in this kind of company ennvironment. That is the reason why I come here to compete for this position. I think I'm a good team player and I'm a person of great honesty to others. Also I am able to work under great pressure. That's all. Thank you for giving me the chance.。

8.用英语介绍中国银行100词左右,要附中文

Bank of China was established in February 1912 under the approval of Sun Yat-sen.

From 1912 to 1949, functioning as the central bank, the foreign exchange bank and the specialized foreign trade bank successively, it maintained stable development in line with the mission of serving the people and rejuvenating the national financial industry.

After the founding of the republic, Bank of China became a specialized foreign exchange and international trade bank, making significant contributions to the development of China's foreign economy and trade as well as domestic economy.

In 1994, it turned into a wholly state-owned commercial bank. The demutualization process of Bank of China started in 2003. In August 2004, Bank of China Limited was established and then listed on Hong Kong Exchanges and Clearing Limited and Shanghai Stock Exchange in June and July 2006 respectively, becoming the first Chinese commercial bank listed in both the mainland and Hong Kong.

1912年2月，经孙中山先生批准，中国银行正式成立。

从1912年至1949年，中国银行先后行使中央银行、国际汇兑银行和外贸专业银行职能，坚持以服务大众、振兴民族金融业为己任，稳健经营，锐意进取，各项业务取得了长足发展。新中国成立后，中国银行成为国家外汇外贸专业银行，为国家对外经贸发展和国内经济建设作出了重大贡献。1994年，中国银行改为国有独资商业银行。2003年，中国银行开始股份制改造。2004年8月，中国银行股份有限公司挂牌成立。2006年6月、7月，先后在香港联交所和上海证券交易所成功挂牌上市，成为首家在内地和香港发行上市的中国商业银行。

望采纳

9.100分求银行论文摘要英文翻译

Abstract:

Banks should be a full range of marketing, whether it is the middle of the business, or main business (deposits, payments and loan) should be cross-marketing idea. Bank marketing is the key to understanding customers, pay attention to financial literacy education, publicity of the contents of human nature, the characteristics of the product is beyond human knowledge and concern about the spread of the target group marketing. Breakdown of a specific group of people for marketing, respect for consumers, including respect for the individual consumer choice and the full right to know the business to allow customers to maximize capital gains in banks. Postal Savings Bank of competition in the market of a new pattern, only take the initiative to the greatest possible share of the market, take some effective marketing strategy can be in the intense market competition. In this paper, by introducing the Postal Savings Bank branches Shihezi marketing strategy and existing problems, propose solutions.

Keywords: market segmentation target marketing services